How it works
The Albion Mastercard, issued by Creation Financial Services Limited, is a credit card with a difference, rewarding all Albion fans with exclusive privileges and superb special offers.
Applying for your Albion Mastercard is quick and easy. Our online application form takes just a few minutes to complete and your card and PIN could arrive within 6 working days. So why not apply for your card today?
Please read the account Summary Information before completing the application. By completing and submitting your card application online you are confirming that all information provided by you is true.
You will need Acrobat Reader to view this document, download Acrobat Reader. Please note this link opens in a new window. Creation is not responsible for the content of external websites.
Full Terms and Conditions will be supplied with your Albion Mastercard
Please have the following to hand to complete your application
- Your address details for the last 3 years
- Your bank or building society details
- Your employer's name and address
- The details of your other credit or storecards if you would like to apply for a Balance Transfer
- A pen and paper to write down your application reference number
To apply for a card you should:
- Be aged 18 or over
- Have a UK bank or building society account (including Channel Islands and Isle of Man)
- Be a permanent resident of the UK (including Channel Islands and Isle of Man)
- Be able to provide at least one landline telephone number and a valid email address
**You will receive a £5 voucher to redeem on any item over £30 in the club shop when you spend £30 or more in a single transaction on your Albion Mastercard.
***£10 voucher to spend in the Club Shop. The voucher will be sent in your Welcome Pack. The voucher entitles you to £10 off your purchase in participating Club Shops. Purchases over £10 made in conjunction with this voucher must be made on your Albion Mastercard and on full priced items only.
†Full Terms and Conditions supplied with your Albion Mastercard .
Representative 18.9% APR variable.
Subject to status. Actual credit limit offered will be based on your individual circumstances. Applicants for credit must be 18 years or over, a UK resident, and have a personal minimum income (after any deductions for tax and National Insurance) of £800 per month (or £184.62 per week). This may include: salary, pension, Disability Living Allowance, Carer’s Allowance, court agreed Child Maintenance or rental income. The Albion Card is issued by Creation Financial Services Limited, Chadwick House, Blenheim Court, , West Midlands B91 2AA.
The Albion Mastercard is issued by Creation Financial Services Limited (Company number: England 1091883) – Registered Office: Chadwick House, Blenheim Court, Solihull, West Midlands, B91 2AA. Authorised and regulated by the Financial Conduct Authority.
Frequently asked questions
Can I change my payment due date?
Yes, you can. You can choose from 4 dates throughout the month. If you'd like to change your payment due date, please call us on 0371 376 9214.
Calls may be recorded. Calls charged at a basic rate. The number provided may be included as part of any inclusive call minutes provided by your phone operator
Can I choose the date on which I wish to pay my bill?
Yes, you can. You can choose from 4 dates throughout the month. If you would like to change your payment due date please call us on 0371 376 9214.
Calls may be recorded. Call charged at basis rate. The number provided may be included as part of any inclusive call minutes provided by your phone operator.
Can I use my card online?
Yes, just look out for the Mastercard name or logo in the payment options.
Can I withdraw cash using my card?
Yes. If you have a cash limit displayed on your statement, then you are able to withdraw cash from any cash machine displaying the Mastercard symbol, both in the UK and abroad (up to £300 per day or £500 per week, subject to your available cash limit). Please see the Terms and Conditions for the charges and fees applicable. The cash machine may also charge a fee. A Cash balance may be subject to a higher APR that other transactions on your account and interest will be payable from the date of the transaction.
Does the card have an annual fee?
The current fee is £0 (variable).
How do I make payments on my card account?
The quickest way to make a payment to us is using the Online Account Manager or through your bank’s telephone or internet banking. You can also make payments to us over the phone, by bank giro or by cheque. There are more details of how to do this in the Online Account Manager and on your monthly statement.
How long will it be before I am charged interest on purchases?
Depending on your statement date and when you make your purchase and your statement date, you can have up to 50 days without paying interest if you make the monthly payment in full and on time each month.
How long will it take to complete the application?
An application takes about 10 minutes to complete. Please have the following to hand when making your application:
- your address details for the last 3 years
- your bank or building society details
- your employers name
- the details of your other credit or store cards if you would like to apply for a Balance Transfer
- a pen and paper to write down your application reference number
How long will it take to get a decision?
When you submit your application you will receive an instant decision.
How will I know how much I owe?
You can choose to receive paper statements through the post or eStatements via your Online Account Manager every month. Your statement will detail the transactions you've made on your card, along with any other transactions, and when your bill is due to be paid. You’ll also be able to receive weekly account updates via SMS, which can be set up using the Online Account Manager.
Is applying online secure?
Yes. Our application process uses industry standard security protocols and 128 bit SSL encryption. This prevents your personal details from being viewed by anyone else.
What are the APRs for the card?
Please see the Summary Information link on the apply page of the application process for details of the full range of APRs for the card.
What happens if I don't pay my account in full each month?
After making the minimum repayment on your account, it is up to you to decide on how much more to pay. Any balance that's unpaid will be carried forward and will show on next month's statement along with any interest that's accrued. If you only make the minimum payment each month it will cost you more.
What is the minimum monthly payment I need to make?
You must pay either a minimum monthly payment equal to 1% of the Principal amount owing as shown on your Statement along with any outstanding Interest, charges and fees, or £5, whichever is the greater, within 20 days of the Statement Date. You can pay us more than the minimum if you want but if your Outstanding Balance is less than £5 you must pay your Outstanding Balance in full. If you only make the minimum payment each month it will cost you more.
What should I do if I lose my card?
Call 0800 783 5881 immediately from the UK or +44 121 712 6952 from abroad.
Where can I use my card?
You can use your card in over 34 million locations Worldwide, anywhere you see the Mastercard sign.
Who is eligible to apply for a card?
You can complete our quick eligibility check in 2 minutes, which does not impact your credit file, and get an instant decision about whether you’re eligible to apply for the card or not. UK residents aged 18 years and over with a UK bank or building society account. You will need to provide a mobile or home telephone number and have a regular source of income through full-time or part-time employment, or be a student, or be retired. You also need to have a clean credit history, i.e., no County Court Judgments (CCJs), bankruptcies or Individual Voluntary Arrangements (IVAs).
Will I be able to use my card as soon as it arrives?
For security, you will first need to sign the back of the card and then activate it by calling us on the number shown on your card.